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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:I am looking for travel insurance for my upcoming visit to USA and i also intend to visit Canada. i am unable to select the right travel insurance which will cover me for both USA and Canada. can you advise please. i am a British citizen but residing in India

A:
Plans will cover you anywhere outside of your home country. If you run a quote on the Insubuy website you will select International including USA for your coverage area to bring up the applicable plans that will cover you in multiple countries. Please look at our Visitors to USA Insurance section to research plans for coverage. If you would like assistance from a licensed agent please contact our office.
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Q:I am looking for the health insurance which has these minimum requirements. I am going on a J1 visa to Rice University in Houston as a short term scholar from June 25th to August 5th. Could you orient me as to which one is best for me? - Medical benefits of at least $100,000 for each accident or illness (a higher benefit is better) - Medical evacuation in the amount of $50,000, should you need to be sent home on the advice of a doctor - Repatriation of remains in the amount of $25,000, should you die while in the U.S. - Coverage must include the semester for which you are at Rice University - Maximum deductible of $500 per condition per plan year - A pre-existing "wait period" limitation of no more than six months - The policy must be backed by the full faith and credit of home country government (for those covered by their home country's national insurance plan), or the company providing the insurance must meet minimum rating requirements established by the U.S. government (an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Pool's Claims-paying Ability rating of "A-" or above, or a Research, Inc. rating of B+ or above). - Policy must be in English

A:
The Atlas Exchange 6 month pre-ex plan will be a plan that you can purchase to meet your Universities requirements. Please use the link listed for more information about the plan and to generate a quote for coverage. Feel free to contact our office if you need any additional assistance.
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Q:I want to buy travel insurance for my grand parents aged 75 and 82. They have pre existing condition of diabetes and spondilysis. I want to know which insurance will cover their pre existing conditions and understand the plans they are eligible.

A:
There is a plan called Safe Travels USA Comprehensive that will cover an acute onset of a pre-existing conditions for those over the age of 70. Please go to Acute Onset FAQ and Pre-existing-Conditions FAQ for more information. If you still have any questions please contact our office.
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Q:Will I have trip cancellation insurance under the schengen quotes?

A:
Thank you for contacting Insubuy. The plans listed in the quote do not provide coverage for trip cancellation. They are designed to primarily cover you medically for a new illness, injury or accident which occurs after the effective date of the policy. If you have any additional questions please let us know.
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Q:My family has some special travel arrangements & I would like to consult with you on the best way to purchase our insurance. We are US Citizens, currently residing abroad & all will be visiting the US, for which time we would like to purchase medical coverage: First, On June 30 our 12 yo son will be traveling to Virginia for summer school. Then, on July 30 he will be going to Michigan. His father & older sister will be arriving on July 30 to Michigan as well, with all three of them departing on Aug 18. How can I book these plans all together?

A:
You can purchase Diplomat America plan for US citizens whose home country is outside US and travelling to US for a short visit. You need to do separate application for your son and other family member due to their diff. trip length. Please feel free to contact us if you have any further questions.
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Q:I am a Postdoc just joined UNC at Charlotte, and I am seeking health insurance for my wife (born on 11/17/1982 and my daughter born on 10/17/2014, and a younger daughter born on 03/10/2017 ). I am looking for an insurance plan which covers immunization and vaccination for my younger daughter.

A:
There is no short term plan that you can purchase only for J2 visa holders which covers immunization and vaccination unless you get insurance through your school which will be very expensive. Insurance will pay for any new sickness, injuries or accidents that may occur after the eff. date of the policy. Insurance will not cover any pre-existing or preventive care. Please view or J1/J2 Visa insurance section for more information. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions. You can purchase Atlas Exchange plan because it's family friendly plan so if one parent insured child under 9yrs will get insurance at no cost. Please feel free to contact us if you have any further questions.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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